[거상관련 없음] 개인적인 부탁으로 사례금 3억 드림! ^^;;

[카페지기]

안녕하세여 카페지기입니다.

참.. 카페에 올리기 죄송스럽지만.. ㅜㅜ

얼마전 회사에서.. 소매금융에 대한 교육을 받았습니다. ㅡㅡ;

교육이 끝난후 강사님게서 영어책 번역을 부탁하더군여 ㅡㅡ;;

(영어책 안본지.. 13년이 된 저에게 ㅡㅡ)

금융업계 전문용어도 있을듯한데.. 생각하셔서.. 번역을 해주실분 계신가여?

사례금은 3억을 드리겠습니다. ㅡㅡ;

★구글 및 야후 번역기는 사절입니다.★

------------아래 내용------------

Planning Consumer Products:
Overall Strategy of the Organization

 

•Expansionist – a highly aggressive management intends to grow a business rapidly. It accepts and understands risk and is willing to invest in the necessary resources (people and technology) to do the job right. It accepts that profitability may require a long term commitment to every detail of the business.

•Controlling – Management is content to do the best job it can with existing resources. It is always looking for ways to improve current product offerings and profitability but has no plans to grow. Stability and reliability are rewarded.

•Minimalist – Management is defensive and unwilling to take risks. It makes little attempt to change the existing way of doing business, and it is willing to sell assets or cut product offerings in the face of aggressive competitions.

 

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Planning Consumer Products: Background Analysis

 

 

•External Forces

–Is it a propitious time to expand, or a time to be cautious?

–Are consumers feeling confident or cautious?

•Internal Factors

–Are there enough capable and knowledgeable managers within the organization who can actually run the business?

–Operational Support

•Do you have the necessary computer, systems, and programming support to meet all the booking, payment, billing, and processing requirements of an expanding operation?

–Funding and Financial Strength to Grow?

•Is there a reliable deposit/borrowing base and sufficient capital to support the required levels of borrowing?

 

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Major Consumer Credit Products

 

Credit Product	Security		Payments		Source
	Secured	Unsecured	Installment/Term	Revolving	Direct	Indirect
Bankcards (classic, gold, platinum, etc.)
Travel & Entertainment cards (e.g., American Express)
Department store/Private label card
Oil company cards
Lines of credit
Personal loans
Home mortgages •First mortgages •Home equity/second mortgage    check and card access
Automobile Mobile home Boat Recreational vehicle

 

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Selecting the Target Market

 

By selecting the right customers, a business starts the process of controlling two key elements in the product’s profitability:

usage and rate of writeoffs.

 

Target Markets

 

•High-usage, high risk – Those who need credit badly, have limited opportunity to obtain it, and expect to pay a high price.

•Moderate-usage, moderate-risk – Those who use credit regularly, have ample offers for credit products, and are not too fussy about pricing; this group is interested in convenience, product features, enhancements, and good service.

•Low-usage, low-risk – Those who pride themselves on paying their bills on time, try to keep their debts at a minimum, and always look for the lowest price; they are constantly bombarded with offers of credit.

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Research the Market
(Know the Competition)

 

A good competitive survey for a credit product gathers information about:

 

•The basic interest rate charged

•The fees (including the not-so-obvious ones)

•Minimum monthly payment requirements

•Product features (e.g., grace period)

•Enhancements (e.g., airline miles, travel insurance)

 

 

Bankcard Survey

 

PRICING	Bank A (Gold)	Bank B (Gold)	Bank C (Gold)	Bank D (Gold)	Bank E (Titanium)
Introductory Rate	3.9% (3months)	2.9% (6months)	None	5.9% (1 year)	2.9% (3 months)
On-going Rate	Prime + 4.9%	9.9%	CD rate + 9.9%	10.9% (9.9% for balances over $3,500)	9.9%
Minimum Penalty Rate (2 x late)	20.9%	21.4%	22.4%	Prime + 12.4%	19.8%
Annual Fee	$40 (1st year free)	None	None	None	None
Ancillary fees:
Late fee	$29	$16	$21	$29	$21
Over-limit fee	$29	$21	$25	$29	$21
Bad check fee	$20	$25	$25	$20	$25
Cash Advance:
Fee	2.5% ($2 min, $20 max)	Free	2% ($2 min, $10 max)	1%	0% ($3,000 min)
APR	20.9%	21.4%	22.4%	Prime + 12.4%	19.8%
FEATURES
Grace period (days)	21	21	20	21	None
Convenience checks	Yes/free	Yes/free	Yes/$.95 per check used	Yes/free	Yes/free
Additional cards	Yer/free	Yes/free	Yes/free	Yes/free	Yes/free
Min. monthly payment	3% highest balance/$20	3% declining balance/$25	4% highest balance/$25	3% highest balance/$20	2% declining balance/$25
ENHANCEMENTS
Rebate on purchases	None	1%	1%	None	None
Airline miles	Yes/ConAir	No	No	No	Yes/selected carriers
Travel accident insurance	$250,000	$350,000	$1,000,000	$1,000,000	$500,000
Rental car insurance	yes	yes	no	no	yes

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Pricing

 

 

The three basic approaches to pricing are:

1.Undercutting the competition - can be justified for new entrants in the marketplace that are attempting to build market share, and for truly low-cost producers.

2.Matching the competition - should choose with a full understanding of true costs.

3.Pricing above the competition - if your service or product is truly superior.

 

The ways to adjust pricing:

Risk-adjusted pricing – calculated to match risk with reward.

Special introductory rates to attract new customers – for short time only.

Additional fees for late payments, over-limit conditions, and returned or NSF checks – Fees can be added for items such as too many inquiries.

 

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이상.. 8쪽입니다. ㅎ

가능하신분은.. 댓글로.. 말씀해주세염

사례금은 3억을 드릴께염

[기자단(공해롱)]

1/4하고있는데 머리가 깨질것 같사와요 근데 대학생 해석이라 좀 오래걸릴듯하네요..

[카페지기]

오~ 3억이 주인공인가? ㅎ 번역 잘못하면 큰일남 ! ㅎㅎㅎ

[오직_Hero]

하다가 모르는단어 많아서 ㅈㅈ ..

[기자단(공해롱)]

ㅋㅋㅋㅋ첫째장에서 절반쯤하다가 그만할까...하다가 미친척하고 한번 계속해봤죠..ㅋㅋㅋ

[해사무]

꺄악..ㅋ 영어천지닷 ㅎ 시도도 안해보고 ㅈㅈ;;

[사랑하니!~]

외계어?

[keniz]

..번역했어용 메일주소알려드리면 보내드릴게요~

[카페지기]

헉! 해롱님께서 벌써 하셨는데 ㅜㅜ

[[태극]카와이]

케니다=_=..너..나보다 영어를 잘하는구나

[夜人ⓒ大]

플레이닝 컨서멀? 프로덕트 !#$!#%@^!#$^#!$@#^#&%*()%^$!#!@%ㅆ로쎠^ㄸ쏱추

[장어구이]

중국어는 저에게 문의 ㄱㄱ

[자루]

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